Kent County property record for 8971 Orchard Dr, Chestertown, MD 21620
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,570 sqft · built 1992 |
| Lot Size | 2.42 acres (105,415 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $342,000 (Aug 2020) |
| Tax Bill | $3,819 (2026) |
| Deeds & Mortgages | Aug 2020 Sale & Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-023455 |
| Primary APN | 04-023455 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,570 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Roof Material | Composition Shingle |
| Lot Area | 105,415 sqft (2.42 acres) |
| Garage Type | Built-in |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 384 sqft |
| Patio Area | 24 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 023455 |
|---|---|
| Street Address | 8971 ORCHARD DR |
| City | CHESTERTOWN |
| State | MD |
| Zip | 21620-3407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 9-2.42 AC. 8971 ORCHARD DRIVE ORCHARD HILL |
| Legal Subdivision | ORCHARD HILL |
| Legal Lot Number | 9 |
| Jurisdiction | KENT MD |
| Township / Civil Division | 4, CHESTERTOWN |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 950300 |
8971 Orchard Dr is owned and occupied by two individuals who bought it in August 2020.
Source: Kent County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8971 ORCHARD DR, CHESTERTOWN, MD 21620-3407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 27, 2020 | Deed, Transfer · Conventional Mortgage FIRST SAVINGS MORTGAGE CORP |
| Oct 16, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2020 · Amount on File |
| Deed Sale | Aug 27, 2020 · Amount on File |
| Prior Sale | Feb 3, 2011 |
| Deed Book / Page | 1081 / 261 |
| Prior Transfer Date | Sep 24, 2012 |
| Prior Transfer Doc | 0007310174 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENT MD |
| Recording Date | Aug 27, 2020 |
| Property Address | 8971 ORCHARD DR, CHESTERTOWN, MD 21620-3407 |
| Document Number | 0010810261 |
| Book / Page | 1081 / 261 |
| Map Reference | MB EHP2 FO 252&253 |
| Instrument Date | Aug 26, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 0001081266 |
|---|---|
| Date | Aug 27, 2020 |
| Instrument | 1081/266 |
| Name | FIRST SAVINGS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MD |
| Property Address | 8971 ORCHARD DR, CHESTERTOWN, MD 21620-3407 |
| Document Number | 0010260204 |
| Instrument Date | Oct 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2019 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8971 ORCHARD DR CHESTERTOWN MD 216203407, CHESTERTOWN, MD 21620-3407 |
| Document Number | 0010260204 |
|---|---|
| Date | Oct 29, 2019 |
| Book Page | 001026/000204 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 28, 2034 |
The 2026 property tax bill for 8971 Orchard Dr was $3,819 with a homeowner's exemption, up 0.7% from the year before.
Source: Kent County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Kent County |
| Unified School District | Kent County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,819.00 (+0.71%) Homeowner's exemption | $331,500 (+0.73%) | $336,300 (+2.19%) Land $112,900 Building $223,400 |
| 2025 | $3,792.00 Homeowner's exemption | $329,100 Land $112,900 Building $216,200 | $329,100 Land $112,900 Building $216,200 |
| 2023 | $3,970.00 | $329,100 Land $112,900 Building $216,200 | $329,100 Land $112,900 Building $216,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8971 Orchard Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 3 (2003–2024) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Jan 2024 · river or lake flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 8971 Orchard Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Talkie Communications Fiber | 10,000 / 10,000 |
| IQ Fiber Fiber | 1,000 / 1,000 |
| Breezeline Cable | 250 / 20 |
| BridgeMAXX Suncoast Broadband Fixed Wireless | 100 / 20 |
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